free4now
Thinks s/he gets paid by the post
- Joined
- Dec 28, 2005
- Messages
- 1,228
Last night driving home was the first time in my life that I ever caused a collision. Sadly, it was with a pedestrian. I was making a left hand turn from a side street stop sign, onto one of the widest and fastest surface streets in my city. I was looking right at the traffic I would merge into, and didn't notice until too late a pedestrian in the marked pedestrian walkway, walking across this busy street. I slammed on the brakes at the last moment, which brought my speed down from about 10-15mph to about 5mph at the time I struck him. It was horrible seeing him end up on my hood.
I can give a list of reasons why this happened... he was wearing all black at 10pm in a dimly lit intersection, he seemed inebriated and was heading to a bar, there should be a stoplight instead of just a marked pedestrian lane across that busy street, it was an unfamiliar part of town for me, and the oncoming car on my right was attracting my attention by driving erratically. But when it comes down to it, the pedestrian always has the right of way in this situation and so there's probably no way this is not my fault. I feel terrible about it.
The police and ambulance came, and decided not to write me a ticket or file any criminal charges (that I know of). The pedestrian I hit seemed more shaken than seriously injured; he was walking around just fine after the accident, and after he was checked out for a little while in the ambulance then released without being taken to the hospital.
So now I'm wondering where this leaves me in the legal and financial realms. A police officer told me that my insurance requires me to report any collision to them within 10 days. I agree that's the letter of the law, but I know many people who don't report collisions to their insurance company and that seems ethical so long as there's nothing underhanded going on.
I'm assuming that once he gets the ambulance bill, either he or his insurance will try to collect from me. I'm leaning towards proactively reporting this to my insurance company now, but wonder if there is any reason to wait until he or his representatives try to collect, on the off chance that doesn't happen for some reason; since no criminal activity was alleged or charged, this seems to be a purely civil matter at this point. I'm assuming that my auto insurance (and/or umbrella insurance) will appoint a lawyer if I end up needing one so I'm not looking for a lawyer now.
What would you do? Report it now? Get a lawyer now?
I can give a list of reasons why this happened... he was wearing all black at 10pm in a dimly lit intersection, he seemed inebriated and was heading to a bar, there should be a stoplight instead of just a marked pedestrian lane across that busy street, it was an unfamiliar part of town for me, and the oncoming car on my right was attracting my attention by driving erratically. But when it comes down to it, the pedestrian always has the right of way in this situation and so there's probably no way this is not my fault. I feel terrible about it.
The police and ambulance came, and decided not to write me a ticket or file any criminal charges (that I know of). The pedestrian I hit seemed more shaken than seriously injured; he was walking around just fine after the accident, and after he was checked out for a little while in the ambulance then released without being taken to the hospital.
So now I'm wondering where this leaves me in the legal and financial realms. A police officer told me that my insurance requires me to report any collision to them within 10 days. I agree that's the letter of the law, but I know many people who don't report collisions to their insurance company and that seems ethical so long as there's nothing underhanded going on.
I'm assuming that once he gets the ambulance bill, either he or his insurance will try to collect from me. I'm leaning towards proactively reporting this to my insurance company now, but wonder if there is any reason to wait until he or his representatives try to collect, on the off chance that doesn't happen for some reason; since no criminal activity was alleged or charged, this seems to be a purely civil matter at this point. I'm assuming that my auto insurance (and/or umbrella insurance) will appoint a lawyer if I end up needing one so I'm not looking for a lawyer now.
What would you do? Report it now? Get a lawyer now?